KHALED OBEID
Milton Keynes
Summary
Experienced Credit Risk Analyst now leading as Assistant Manager in Credit Risk Analytics and Modelling at Deloitte. Specializes in enhancing credit measurement capabilities, model development, and regulatory compliance. Adept at navigating complex data environments to deliver robust analytic solutions. Committed to leveraging deep industry knowledge and analytical expertise to aid clients and foster trust in financial reporting.
Overview
5
5
years of professional experience
Work History
Assistant Manager, Credit Risk Analytics and Model
Deloitte
11.2023 - Current
- Leveraged SAS and Python to develop, improve, and validate credit risk models focusing on IFRS9, IRB, and stress testing for various credit asset classes.
- Provided comprehensive modelling and analytics services to clients, utilizing Power BI for visualizing and reporting data to enhance decision-making processes.
- Supported the design and improvement of credit measurement ecosystems, ensuring robust model risk management and compliance.
- Contributed to key projects including due diligence, Asset Quality Reviews, and supported external audits of IFRS9 and assurance of RWA by challenging methodological approaches and implementation quality.
- Engaged in thought leadership around credit measurement best practices, contributing to the evolution of Deloitte's analytics and modelling strategies and identifying new client opportunities.
Senior Credit Risk Analyst
Santander UK
11.2022 - 11.2023
- Utilized SAS to execute IFRS9 models and determine risk provisions for the bank
- Conducted thorough reviews and analysis of model output and provided valuable insights to senior management
- Collaborated with various risk teams, including portfolio management and forecasting, to understand the impact of macroeconomic variables on risk models
- Proven ability to develop and maintain credit risk reports and dashboards to provide insight into portfolio performance, and identify potential areas of concern
- Ensured compliance with internal controls, government regulations, and accounting standards through regular control checks
- Identified issues in risk models and assisted in resolving identified issues through quantitative techniques.
Mergers and Acquisitions Intern
Hikma Pharmaceuticals
07.2021 - 08.2021
- Contributed to the evaluation of target companies' financial performance through financial modeling, calculating net present values and forecasting income statements
- Conducted research and reviewed data rooms for financial due diligence
- Assisted in building and maintaining Excel financial models to assess the feasibility of acquisition opportunities
- Gained experience in the submission process of non-binding and binding offers and observing the process
- Reviewed and edited PowerPoint presentations to ensure accuracy and clarity for ongoing projects.
Tax Intern
Ernst & Young
07.2019 - 08.2019
- Efficiently managed the invoice processing, data entry, and proofreading of reports and calculations for clients
- Led a team of three interns, responsible for delegating tasks and setting deadlines
- Developed a Python-based software that processes raw data and calculates tax brackets, social welfare payments, and tax exemptions for clients' employees based on their marital status.
Education
Bachelor of Science - Economics and Finance
University of Leeds
International Baccalaureate Diploma -
Mashrek International School
Skills
- SAS
- Python
- R
- Internal Controls
- Power BI
- Variance and Risk Analysis
- Economic Analysis
- Financial Forecasting
Languages
English, Arabic
Native language
Volunteer Experience
Volunteer, Tikiyat Um Ali, Amman, Jordan, Assisted in the packaging and distribution of essential supplies to impoverished families through Tikiyat Um Ali's facilities., Collaborated with fellow volunteers to plan and execute successful charity events, raising funds for medical supplies and other essential needs., Utilized strong communication and teamwork skills to effectively coordinate with other volunteers and community members to achieve charitable initiatives.
Hobbies and Interests
- Chess: Experienced player and former leader of the Chess Club in Mashrek International School. Previously a member of LUU Chess Society.
- Trading: Skilled trader with extensive experience in retail trading, utilizing both swing and long-term strategies. Former member of LUU Trading and Investment Society.
Timeline
Assistant Manager, Credit Risk Analytics and Model
Deloitte
11.2023 - Current
Senior Credit Risk Analyst
Santander UK
11.2022 - 11.2023
Mergers and Acquisitions Intern
Hikma Pharmaceuticals
07.2021 - 08.2021
Tax Intern
Ernst & Young
07.2019 - 08.2019
Bachelor of Science - Economics and Finance
University of Leeds
International Baccalaureate Diploma -
Mashrek International School
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